Uma Seguradora de Vida MNC em Cingapura: Construindo um Core Baseado em Microsserviços para um Futuro Orientado por APIs e IA
Sobre o cliente
Empresa: Uma das principais seguradoras de vida MNC
Linhas de produtos: todos os principais produtos de seguro de vida
Localização: Cingapura
Negócios: Esta seguradora é uma grande companhia de seguros de vida e saúde que atende clientes pessoa física e jurídica por meio de canais de bancassurance, consultores e private banking.
O desafio
Após uma grande aquisição em Cingapura, a seguradora enfrentou uma escolha estratégica de arquitetura: continuar com a abordagem tradicional de core monolítico ou estabelecer uma arquitetura moderna baseada em microsserviços, capaz de consolidar um ambiente multi-core, habilitar novos negócios e substituir progressivamente os sistemas de registro.
Era necessário integrar sistemas e processos estabelecidos sem impactar clientes ou parceiros de distribuição, ao mesmo tempo em que se criava uma base para acelerar a inovação em produtos, sinistros e atendimento a apólices, distribuição por ecossistemas e futuras experiências orientadas por IA.
“Foi um empreendimento massivo, de vários anos, que transformou fundamentalmente nosso modelo operacional”, disse ele. “Hoje estamos equipados com uma stack tecnológica preparada para o futuro, que permite inovação mais rápida, integração digital e de dados perfeita e maior consistência nas jornadas de clientes, distribuidores e colaboradores.”
Chief Executive Officer
The MNC Life Insurer in Singapore
Por que insureMO
This insurer selected insureMO to establish a fundamentally different core architecture: microservices-based, API-first and designed around reusable insurance capabilities rather than a tightly coupled monolith. Atomic APIs provide the foundation for composing higher-level Business APIs, allowing them to expose core functions as reusable digital assets for products, channels, partners, applications and future AI agents.
The architecture is built around three foundation pillars — API, Data and AI — giving them the flexibility to modernize today while creating an extensible platform for future innovation.
Microservices-based core architecture as an alternative to a traditional monolithic core
Atomic APIs as foundational building blocks for reusable Business APIs and core insurance functions
API, Data and AI as three integrated foundation pillars for transformation
Consolidation of a multi-core environment onto one platform, enabling new business while progressively replacing systems of record
Open integration with legacy systems, third parties, distribution channels and front-office applications
APIs as sales and distribution enablement assets for ecosystem and multi-channel customer experiences
AI-ready APIs that can be consumed by agents, coding assistants and future customer- and partner-facing AI applications
The result is more than a core replacement: it is a composable technology foundation designed to let this insurer innovate at the speed of the market, reuse capabilities across channels and ecosystems, and progressively move toward an AI-led operating model.
Os resultados
The new architecture is translating technology modernization into direct business outcomes — accelerating change, improving operational turnaround times and creating reusable API assets for future distribution and AI innovation.
Faster product and campaign delivery
c.20% reduction in technology-related product development time and cost
c.20% expected increase in the speed of launching campaigns
Material operational improvement across key journeys
14% reduction in Life Claims Turnaround Time
50% reduction in payment Turnaround Time
c.20% reduction in Policy Servicing Turnaround Time
API-enabled sales, distribution and servicing
They can use reusable Atomic and Business APIs to power ecosystem distribution, front-office applications and multi-channel customer servicing, reducing dependence on point-to-point integration and tightly coupled core releases.
Future-ready foundation for innovation
Modular, microservices-based architecture
Enhanced controls and reusable digital capabilities
Automated processes across core journeys
AI and automation readiness
c.15% of e2e Underwriting cases will be STP.
Automated CDD processing for plans without cash value submitted
By making core insurance capabilities available through reusable APIs, this insurer has a platform that can support faster innovation today and an AI-led ecosystem tomorrow. Atomic APIs can be composed into Business APIs, consumed by digital channels and partners, and made available to AI agents and AI-coded applications — creating a durable innovation asset beyond the core itself.
